How do I determine if rental property qualifies as non-consumer debt? We have read that it is the “intent” of the mortgage that matters. We rented out our former home, but refinanced before doing so. We had to use our Veterans Administration loan privilege to refinance since it was the only way to refinance and then rent out without living in the property for a specified term. We have the rental application signed before the refinance, and then a rental agreement signed 3 days after refinance. Will this fact allow our mortgage to be classified “non-consumer” debt?